PCB Secured Visa® Card

Powerfull tool for establishing a positive credit history

Updated: Oct 2, 2021

Advertiser Disclosure

Issued by Plains Commerce Bank, the PCB Secured Visa credit card comes with credit reporting, waived cash advance and international transaction fees for the first year, credit building tools, and fast, 60 seconds online decision.




18.90% Variable



36 User Ratings

PCB Secured Visa® Card

at PCB's Secured website

Apply Now

Introductory APR


Intro APR Period


Minimum Credit Score

Bad Credit OK

Key Features

  • Upon credit approval, the collateral deposit you provide becomes the credit limit on your Visa® card. Choose between $200 and $1,000.
  • After the first year, you can request to increase the credit limit up to a maximum of $5,000 (subject to credit approval and additional collateral deposits).
  • This card is perfect for people new to credit as well as people looking to rebuild their credit.
  • Reports monthly to all three major credit bureaus.
  • Build or rebuild your credit by keeping your balances low and paying all creditors on time every month.
  • 24/7 online account center.
  • A minimum collateral deposit of $200 is required to open this account.
  • Plains Commerce Secured Visa is issued by Plains Commerce Bank, Member FDIC
  • *See Rates, Fees, Costs, and Limitations for additional details.

Our Take

PCB is a secured card that will help to build your future! It is important to establish a positive credit history if you want a better credit card, better interest, or a better loan rate. That’s why the Plains Commerce Secured Visa credit card was created. Whether you are building, rebuilding your credit, or new to credit, this secured card is a good choice. The card reports to all three Credit Bureaus and has waived Cash Advance and International transaction fees for the first year. The minimum secured deposit is $200 and a maximum of $1,000 for the first year. After 1 year, you can request a secured credit limit increase of up to $5,000. The PCB card offers a fast online credit card pre-approval process with instant response. There is no credit check and no employment verification. However, the card comes with an annual fee and needs SSN to apply (Sable ONE – needs no SSN).

RELATED: See “What is PCB Secured Visa Card?” web story


  • Helps build/ rebuild your credit
  • Credit reporting
  • Cash Advance fee waived the first year
  • Int. Transaction fee waived the first year
  • Get PCB credit card pre-approval in 60 seconds


  • Has an annual fee
  • No bonus or rewards
  • Min $200 is required to open an account

Best PCB Secured Card Alternatives

  1. OpenSky Secured Visa
  2. Chime Secured Visa
  3. First Progress Elite Mastercard
  4. Surge Secured Mastercard
  5. Merrick Bank Double Your Line Secured Visa

PCB Secured Visa FAQs

Apply Now
Basic Information
Issuer: Plains Commerce Bank
Network: VISA®
Category: Consumer (Secured)
Best Used For:
  • Cards for Bad Credit
  • No Foreign Transaction Fee
  • No Credit / New to Credit
  • Building Credit
  • Damaged Credit
  • No Credit Check
Rewards: No
Rates & Fees
Regular APR: 18.90%
Regular APR Type: Variable
Annual Fee: $39
Balance Transfer: No
APR on Cash Advances: 20.90%
Grace Period: 25 days
Other Fees:
  • Late Payment Fee: Up to $40.00
  • Returned Payment Fee: Up to $40.00
  • Cash Advance Fee: $0 during the first year; after the first year either $5.00 or 5.00% of the amount of each transaction, whichever is greater.
  • International Transaction Fee: Up to 1.00% of the transaction amount in U.S. dollars. Waived the first year

PCB Secured Visa® Card Alternatives

PCB Secured Visa® Card

PCB Secured Visa® Card


Annual Fee


Regular APR


Intro APR


Min. Credit Level

Bad Credit OK

*The information provided for PCB Secured Visa® Card is believed to be accurate at the time of evaluation or recent update on October 2, 2021. However, we strongly advise visitors to review the card fees and Terms & Conditions on the issuer's website by following Apply Now link to verify the accurancy of the information posted prior to applying for this card offer.

PCB Secured Visa® Card

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PCB Secured Visa® Card

PCB Secured Visa® Card

Min. Credit Required: Bad Credit OK

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